Zone AE is a Special Flood Hazard Area on FEMA flood maps: the area FEMA models as having a 1 percent chance of flooding in any given year, with a base flood elevation published for it. Zones beginning with A or V are all Special Flood Hazard Areas. Zone X is outside them, and a shaded Zone X is the 0.2 percent annual chance floodplain.

Is flood insurance required?

A lender must require flood insurance on a federally backed mortgage when the building is in a Special Flood Hazard Area. Outside those zones no lender requirement applies, though a lender may still ask for it and the coverage remains available. Flood damage is not covered by a standard homeowners policy in any zone.

Where does the official flood zone determination come from?

From the property flood map panel at the FEMA Map Service Center, from the flood zone determination a lender orders, or from an elevation certificate prepared by a surveyor. A map lookup at a single point, including this one, is not a determination and no lender or insurer will accept one.

Flood zones

Is this address in a flood zone?

Type a street address and see the zone FEMA's current flood map puts that point in. No account, no email, nothing to sign.

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Town

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Why it matters here

Long Island's South Shore is bay frontage for most of its length, and FEMA maps a large share of it as Special Flood Hazard Area. Whether a house sits inside one of those zones decides whether a lender will require flood insurance on a federally backed mortgage, and that premium is part of what a buyer pays every month, which is why it shows up in what a house sells for. The zone is public. It is worth knowing before an offer rather than after.

Flood damage is not covered by a standard homeowners policy in any zone. Coverage is available everywhere, required by lenders only in the high-risk zones, and priced on the building rather than on the zone alone.

Questions people ask

What is Zone AE?: Zone AE is a Special Flood Hazard Area on FEMA flood maps: the area FEMA models as having a 1 percent chance of flooding in any given year, with a base flood elevation published for it. Zones beginning with A or V are all Special Flood Hazard Areas. Zone X is outside them, and a shaded Zone X is the 0.2 percent annual chance floodplain.
Is flood insurance required?: A lender must require flood insurance on a federally backed mortgage when the building is in a Special Flood Hazard Area. Outside those zones no lender requirement applies, though a lender may still ask for it and the coverage remains available. Flood damage is not covered by a standard homeowners policy in any zone.
Where does the official flood zone determination come from?: From the property flood map panel at the FEMA Map Service Center, from the flood zone determination a lender orders, or from an elevation certificate prepared by a surveyor. A map lookup at a single point, including this one, is not a determination and no lender or insurer will accept one.

Flood zones from FEMA's National Flood Hazard Layer, layer 28 (Flood Hazard Zones), queried at the time of the lookup and cached for thirty days. Addresses are located with OpenStreetMap Nominatim. Checked 18 September 2026.